With Onchain Lending - Who Needs Banks? Ft. Diogo Monica & Michelle O'Connor

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Oct 27, 2025

Guest

Michelle O'Connor

Guest

Diogo Monica

Diogo Monica is a General Partner at Haun Ventures and co-founded Anchorage Digital, providing insights into blockchain infrastructure. Michelle O'Connor, founder of The Digital Future, brings expertise in stablecoins and crypto regulation. They delve into the implications of Tempo's $500 million funding, the evolution of stablecoins across multi-chains, and the corporate treasury potential of blockchain. Discussion also covers the nuances of decentralization, Ripple's acquisition strategies, and the significant role of stablecoins in reshaping finance.

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INSIGHT

Payments Chains Create New Ecosystems

Vertically integrated payment blockchains can create end-to-end ecosystems combining ledger, APIs and services for payments.
These ecosystems may replace stitched APIs by offering native primitives and developer-friendly defaults.

ADVICE

Design Chains Around Payments First

Start with payments as a first-class feature to win mainstream adoption and reliability.
Build quality-of-life features (memo fields, native account abstraction) into the chain instead of layering them on later.

INSIGHT

Decentralization Is A Spectrum

Removing decentralization requirements simplifies engineering and boosts throughput and availability.
The industry now sits on a spectrum balancing sovereignty and performance rather than a single doctrine.

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On Ep. 54 of Tokenized, Simon Taylor, GTM @ Tempo, and Cuy Sheffield, Head of Crypto @ Visa, are joined by Diogo Monica, GP @ Haun Ventures and Michelle O'Connor, Founder @ The Digital Future to discuss Tempo's $500M funding round, the rise of vertically integrated payment blockchains and more!

Timestamps:

00:00 Introduction
03:02 Tempo's $500M funding round and strategic acquisitions
05:23 The rise of vertically integrated payment blockchains
07:33 Evolution of stable coins and multi-chain competition
13:12 The spectrum of blockchain decentralization and requirements
20:03 Ripple's acquisition of G Treasury for corporate treasury
23:56 Ripple's M&A strategy and RLUSD stable coin integration
30:11 Regulatory and global challenges for corporate treasury
35:42 Fed's proposed payments account and master account access
40:49 Stable coins and the future of narrow banking

Tokenized is sponsored by Visa

A world leader in digital payments, Visa is bridging the gap between traditional financial institutions and innovative blockchain networks, helping players in the payments ecosystem navigate the ever-evolving world of tokenized fiat currencies with confidence and ease. Learn more at visa.com/crypto.

Tokenized is presented by Bridge, a Stripe company.

Just like the internet made information global, stablecoins are making money global. And Bridge, a Stripe company, is the infrastructure powering that shift. Built for speed, scale, and simplicity, Bridge helps businesses send, store, convert, and spend stablecoins instantly, all without borders or having to navigate the complexities of crypto. Learn more at bridge.xyz

Tokenized is also presented by Centrifuge

With over $1 billion in total value locked, Centrifuge works with major institutional partners to tokenize and distribute their funds — and with capital allocators onchain to invest and manage yield. Through every crypto cycle, Centrifuge has been building — and today, it’s the market leader in tokenizing real-world assets. Learn more at centrifuge.io

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We’d also like to remind you that the views or opinions of our contributors today are their own and do not necessarily reflect those of the companies they are representing. Nothing we say should be taken as tax, financial, investment or legal advice, do your own research!

Music by Henry McLean